Nationwide Direct Private Lender for Real Estate Investors

If you’re an investor in residential real estate doing fix-and-flips, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.

Lima One Capital aims to reduce the friction that real estate investors DON’T need in their life.  We keep everything in house so that we can deliver a unique lending experience: underwriting, appraisals, construction management, draw requests, loan servicing are all conducted with best-in-class customer service.

Property Geographic Area Details
Nationwide except AK, ND, SD, VT
Loan Amounts
$50,000 to $20,000,000
Interest Rates
3.25% to 9.75%
Loan Terms
13 months to 360 months
Origination Fees
0.25% to 2.5%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Use Equity to Invest in Another Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 80%
Max LTP Multifamily: 80%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 80%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 75%
Max LTV 1st Lien Land: 75%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 65%
Max LTV 1st Lien Multifamily: 75%
Refinance Long-Term
Max LTV Residential: 80%
Max LTV Multifamily: 80%
Max LTP Commercial: 75%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 92%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 92%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 85%
Max LTC: 85%
Max LTARV: 75%
Residential Construction
Max LTP Land: 75%
Max LTC: 90%
Max LTCV: 90%

Solutions for Every Investment Strategy

To get your deals closed FAST and maximize your return, we handle your loan with in-house servicing, construction management, quick draws, common-sense underwriting, internal valuations, and a dedicated team of analysts.

Fix and Flip Loans

Fix-and Flip

Funding in 45 States – distressed properties banks won’t finance.
  • Up to 92.5% LTC, 75% LTV
  • Loans from $75K to $3MM
  • 13, 19, 24-month term options
  • Non-recourse available
  • Interest only loans
  • 1-4 unit residential properties

Fix-to-Rent Funding

A two-step loan program to buy, renovate, rent, refinance, repeat!
  • No Seasoning Period
  • 1-4 unit residential properties
  • Seasoning requirement waved
  • 13, 19, 24-month term rehab options
  • 5, 10, 30-year term options for hold
  • Discounted origination fee on refinance

Short-Term Bridge Funding

Bridge financing where a fast close is needed and minimal rehab is planned.
  • No prepayment penalty
  • Up to 80% LTV
  • Non-recourse available
  • 13, 19, 24-month term options
  • Single loans and portfolio blanket loans

Single-Family Rental Loans

Single Property Funding

  • 1-4 unit residential properties
  • Loans from $50k to $2.5mm
  • 5 & 10 term options
  • Up to 80% LTV on purchase & rate/term refinancing
  • Up to 75% LTV on cash out
  • Discounted origination fee on refinance

Rental Portfolio Funding

  • 80% LTV
  • 2 or more rental properties, one loan
  • No maximum loan amount or unit count
  • 5, 10, 30-year options
  • Multiple structure options available, to fit your unique investment strategy
  • Fixed rate, ARMs, interest only
  • Non-recourse available
  • Flexible pre-payment options

Multifamily Loans

Multifamily Long-Term Hold

  • Loans up to $10MM
  • 5 to 100 units
  • Primary, secondary, tertiary markets
  • Amortized and interest-only options
  • Low seasoning requirements
  • As low as 80% occupancy
  • Out of state owners are OK
  • Foreign nationals are OK
  • Non-recourse available

Multifamily Stabilized

  • Up to 75% LTC/LTV
  • Rates as low as 5.25%
  • No unit limit
  • 24-36 month Interest Only Terms
  • Freddie, Fannie, or bank fallout deals
  • Low in-place DSCR requirements
  • Non-recourse available

Multifamily Value Add Bridge

  • Up to 85% LTC, 70% LTV
  • Loans up to $20mm+
  • Rates as low as 5.49%
  • 24-36 month Interest Only Terms
  • Low or no cash flow is ok
  • Small, medium, or large Cap EX budgets
  • Non-recourse available

New Construction Loans

  • Loans up to $5MM
  • Spec builds and model homes
  • Non-recourse available
  • Up to 90% LTC and up to 75% ARV
  • Rates starting at 6.99%
  • 13-, 19-, and 24- month term options
  • Fast due-diligence and closing
  • No interest on renovation while in escrow

Property Types

  • 2-4 Units Residential
  • Condominium
  • Mixed-Use
  • Multifamily
  • Portfolio of Residential Properties
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Specialty Loan Types

  • Partner Buyout
  • Residential Long-Term Rental

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75.00%

Minimum Loan Amount

$60,000

Maximum Loan Amount

$10,000,000

Minimum Interest Rate

3.25%

Maximum Interest Rate

7.0%

Minimum Origination Fee

0.5%

Maximum Origination Fee

2.5%

Minimum Loan Term

12 months

Maximum Loan Term

360 months

Seasoning Time

3 months

Minimum Debt Service Coverage Ratio

1.00

Will Lend on a Portfolio of Rentals

Yes

Minimum Number of Properties

1

Maximum Number of Properties

50000

Minimum Property Value

$75,000

Maximum Property Value

$5,000,000

Underwriting Fee

$800 + $100 to $150 per door fee

Appraisal Fee

$550

Fees which are paid to a third party company

  • Title Fee

Details and Requirements

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Pre Payment Penalty

yes

Multiple options.
Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Minimum Credit Score Required

619

Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Get In Touch

Lima One Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Who is Lima One Capital?

Lima One Capital offers real estate investors a solution to every strategy, by offering the most comprehensive suite of loan programs in the industry.

If you’re an investor in residential real estate doing fix & flip, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.

Lima One Capital aims to reduce the friction that real estate investors DON’T need in their life.  We keep everything in house so that we can deliver a unique lending experience: underwriting, appraisals, construction management, draw requests, loan servicing are all conducted with best-in-class customer service.  We expect this out of every one of our employees.

Lima One Capital was founded in 2010 by U.S. Marines that served together in Iraq.  The U.S. Marines motto of Semper Fi – “always faithful” – means that we have your back.

As a real estate investor you know the deal changes on Day 2!  We’d like to be your partner and prove why we’re the nation’s premier lender for investors.

License

NMLS ID 1324403

Company Size (Number of Employees)

300

Year Established

2010

Office Locations

Lima One Capital Headquarters
201 E McBee Ave #300, Greenville, South Carolina 2960

Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Total Loan Volume Funded to Date

$4,000,000,000

Our Team

Nate Trunfio

Managing Director - Head of Sales

Dalton Elliott

Director - Inside Sales

John Della Bella

Director - Broker Sales

Funded Deals

Get In Touch

Lima One Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

What We Do

  • Residential & Multifamily Properties
  • Bridge, Construction, Rehab, Rental
  • LTC up to 92.5% for Residential Rehabs
  • Purchase Bridge Loans up to 80% LTP

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing
  • NO Land Loans
  • NO Rural Locations

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact This Lender

Contact Lima One Capital by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

Send an email to Lima One Capital